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Starting Fresh

May 15th, 2014 at 05:36 pm

I guess I'll try this for a couple months before really getting going on a full on blog again. I used to blog about finances but time constraints and my total inability to figure out how to code stopped me. But where to start?

Perhaps by saying I never considered early retirement or financial independence until January of 2014. Though my DH and I have been long term Living Below Yours Means (LBYM) people, it still never occurred to either of us. To us we were to live frugally, save, and then raise our heads at 55 and determine if we could retire like our parents.

It's never occurred to us to accrue debt, spend more than we can pay on the CC, and not save the maximum. We've never really grown into our incomes. When we got our first jobs the only question was "what's the maximum allowed to save?" And that would be the first line item and everything else would fall into line.

Our lifestyle has always been determined by savings first then everything else like a puzzle we fit together. We aren't line item budgeters. We aren't tracking every penny people, rather we're pay yourself first people then spend. And our pay ourselves first has been all savings at the maximum then we have to figure out to live on the rest. Even if the rest is pennies.

And I will admit our income has increased a lot. I will have to go back and see perhaps the next post.

4 Responses to “Starting Fresh”

  1. Miz Pat Says:

    Wow, you are my heros!

  2. Looking Forward Says:

    Welcome!
    It's is great you started out as savers.. I am slowly getting there now.

  3. Petunia 100 Says:

    I used to read your blog, the one with the running shoe on top. Smile

  4. creditcardfree Says:

    Welcome back to the blogs! I like that maximum savings plan.

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